Relm publishes research-led insights exploring financial literacy, behavioural science, and financial decision-making. Our work examines how individuals interact with financial systems, the behavioural barriers that shape outcomes, and how policy and programme design can be improved using behavioural evidence.
Our publications combine behavioural economics, psychology, and policy analysis to inform organisations, policymakers, and practitioners working to improve financial wellbeing.
We publish:
• Research insights on financial literacy and behavioural science
• Policy commentary on UK financial wellbeing initiatives
• Behavioural analysis of financial decision-making
• Evidence-informed recommendations for programme design
• Thought leadership pieces shaping future research agendas
Upcoming outputs will include policy briefs, research reports, and commissioned studies evaluating financial literacy programmes and behavioural interventions.
For collaboration or commissioned research, please contact Relm directly.
Recent Publications
What if Financial Systems Were Designed for How People Actually Think?
Financial systems are often designed under the quiet assumption that individuals make rational decisions, carefully weighing options, comparing costs and selecting the optimal choice that serves their long-term interests. In an ideal world, this theory seems reasonable; however , in practice, financial decisions are rarely made under ideal conditions. People make financial decisions when they…
Why financial literacy needs behavioural science
Moving from Information to Decision-making Financial literacy has been positioned as the cornerstone of financial wellbeing for some time now. Schools, Governments, financial institutions and charities invest heavily in programmes designed to improve understanding of financial concepts such as spending, budgeting, saving and investing. The underlying assumption here being that once knowledge obtained and understood,…
Why knowing more about money still isn’t enough
Rethinking Financial Literacy Through Behavioural Science Financial literacy has been a central focus of policy and education for decades. The dominant narrative is something along the lines of: if individuals are given the right information – about budgeting, saving, debt or investing – then they will make better financial decisions. Schools, banks, nonprofits and governments…
Enter the Relm of Change
About Relm Relm is an applied research and advisory initiative focused on improving financial decision-making through behavioural science. At its core, Relm exists to address a persistent gap:while access to financial services has expanded and financial education has improved, many individuals still struggle to make decisions that support their long-term financial wellbeing. This gap is…
RELM. 